Annual travel insurance: the exclusions I discovered too late

I was about to buy an annual policy counting to cover trekking, scooter rental and a medical condition already known. Reading the file I discovered limits for altitude, displaced, maximum duration of the single trip and pre-existing diseases. Comparators show ceilings but make the exclusions little visible. What clauses always check and how you document a refund request without finding yourself with Insufficient evidence? I am interested in a comparison based on recent experiences: indicated travel period, what re…